Want to save money and find more competitive Ford F-250 insurance in Phoenix? Searching for the cheapest insurance for a Ford F-250 in Arizona could be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for auto insurance so we’re going to tell you the proper way to price shop coverage for a Ford and get the cheapest rates either online or from Phoenix insurance agents.
It’s shocking but most auto insurance customers have purchased from the same company for well over three years, and nearly the majority have never compared rate quotes at all. Arizona drivers can save hundreds of dollars each year, but most undervalue the actual amount they would save if they moved their coverage to a different company.
Locating the best rates in Phoenix seems hard but is not really that difficult. If you already have coverage or are looking for a new policy, take advantage of these tips to get lower rates without reducing protection. Comparison shoppers only need an understanding of the most efficient way to compare company rates from multiple carriers.
Affordable companies for Ford F-250 insurance in Arizona
The following companies can provide price comparisons in Phoenix, AZ. If multiple companies are shown, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|F-250 XL 2WD||$180||$332||$326||$20||$98||$956||$80|
|F-250 XL Cabela Package 2WD||$224||$456||$318||$18||$96||$1,112||$93|
|F-250 XL Super Cab 2WD||$238||$424||$348||$20||$104||$1,134||$95|
|F-250 XLT 2WD||$286||$632||$410||$24||$122||$1,474||$123|
|F-250 XL 4WD||$204||$332||$360||$22||$108||$1,026||$86|
|F-250 XLT Super Cab 2WD||$202||$382||$318||$18||$96||$1,016||$85|
|F-250 XL Super Cab Cabela Package 2WD||$292||$548||$338||$20||$102||$1,300||$108|
|F-250 XL Harley Edition 2WD||$224||$450||$382||$22||$114||$1,192||$99|
|F-250 XL Crew Cab 2WD||$208||$426||$410||$24||$122||$1,190||$99|
|F-250 XLT 4WD||$298||$460||$490||$30||$146||$1,424||$119|
|F-250 XL Cabela Package 4WD||$156||$284||$382||$22||$114||$958||$80|
|F-250 XL Crew Cab 4WD||$206||$364||$382||$22||$114||$1,088||$91|
|F-250 XL Super Cab 4WD||$158||$332||$454||$26||$136||$1,106||$92|
|F-250 XL Crew Cab Cabela Package 2WD||$250||$620||$382||$22||$114||$1,388||$116|
|F-250 XL Super Cab Harley Edition 2WD||$194||$392||$348||$20||$104||$1,058||$88|
|F-250 XL Turbo Diesel 2WD||$242||$428||$444||$26||$132||$1,272||$106|
|F-250 King Ranch Crew Cab 2WD||$164||$354||$318||$18||$96||$950||$79|
|F-250 XLT Crew Cab 2WD||$264||$582||$348||$20||$104||$1,318||$110|
|F-250 XL Super Cab Cabela Package 4WD||$318||$632||$454||$26||$136||$1,566||$131|
|F-250 XLT Super Cab 4WD||$174||$284||$382||$22||$114||$976||$81|
|F-250 XL Harley Edition 4WD||$250||$450||$394||$24||$118||$1,236||$103|
|F-250 King Ranch Crew Cab 4WD||$250||$456||$352||$20||$106||$1,184||$99|
|F-250 Lariat Crew Cab 2WD||$296||$582||$348||$20||$104||$1,350||$113|
|F-250 XL Super Cab Turbo Diesel 2WD||$154||$344||$382||$22||$114||$1,016||$85|
|F-250 XL Crew Cab Harley Edition 2WD||$200||$410||$458||$28||$136||$1,232||$103|
|F-250 XL Crew Cab Turbo Diesel 2WD||$182||$354||$318||$18||$96||$968||$81|
|F-250 Lariat Super Cab 2WD||$154||$326||$382||$22||$114||$998||$83|
|F-250 XL Super Cab Cabela Turbo Diesel 2WD||$206||$334||$444||$26||$132||$1,142||$95|
|F-250 XLT Turbo Diesel 2WD||$314||$620||$346||$20||$104||$1,404||$117|
|F-250 XL Cabela Turbo Diesel 2WD||$270||$428||$444||$26||$132||$1,300||$108|
|F-250 XLT Turbo Diesel 4WD||$154||$298||$424||$26||$126||$1,028||$86|
|F-250 XLT Crew Cab 4WD||$324||$548||$374||$22||$112||$1,380||$115|
|F-250 XL Super Cab Turbo Diesel 4WD||$138||$240||$352||$20||$106||$856||$71|
|F-250 XL Crew Cab Harley Edition 4WD||$154||$298||$424||$26||$126||$1,028||$86|
|F-250 XL Cabela Turbo Diesel 4WD||$270||$370||$490||$30||$146||$1,306||$109|
|F-250 XL Crew Cab Turbo Diesel 4WD||$180||$290||$374||$22||$112||$978||$82|
|F-250 Lariat Super Cab 4WD||$292||$460||$374||$22||$112||$1,260||$105|
|F-250 XL Turbo Diesel 4WD||$324||$566||$506||$30||$152||$1,578||$132|
|F-250 XL Super Cab Harley Edition 4WD||$232||$426||$454||$26||$136||$1,274||$106|
|F-250 XLT Super Cab Turbo Diesel 2WD||$138||$276||$318||$18||$96||$846||$71|
|F-250 XL Harley Turbo Diesel 2WD||$270||$428||$444||$26||$132||$1,300||$108|
|F-250 King Ranch Crew Cab Turbo Diesel 2WD||$174||$326||$346||$20||$104||$970||$81|
|F-250 XL Super Cab Harley Turbo Diesel 2WD||$250||$518||$356||$22||$106||$1,252||$104|
|F-250 XLT Crew Cab Turbo Diesel 2WD||$318||$726||$410||$24||$122||$1,600||$133|
|F-250 XL Crew Cab Harley Turbo Diesel 2WD||$154||$326||$356||$22||$106||$964||$80|
|F-250 XL Crew Cab Cabela Turbo Diesel 2WD||$224||$440||$318||$18||$96||$1,096||$91|
|F-250 Lariat Super Cab Turbo Diesel 2WD||$282||$518||$346||$20||$104||$1,270||$106|
|F-250 Lariat Crew Cab 4WD||$324||$652||$506||$30||$152||$1,664||$139|
|F-250 King Ranch Crew Cab Turbo Diesel 4WD||$280||$598||$488||$28||$146||$1,540||$128|
|F-250 XL Super Cab Cabela Turbo Diesel 4WD||$250||$518||$424||$26||$126||$1,344||$112|
|F-250 XLT Super Cab Turbo Diesel 4WD||$250||$546||$424||$26||$126||$1,372||$114|
|F-250 Cabela Crew Cab 4WD||$278||$650||$424||$26||$126||$1,504||$125|
|F-250 XL Harley Turbo Diesel 4WD||$230||$418||$382||$22||$114||$1,166||$97|
|F-250 XLT Crew Cab Turbo Diesel 4WD||$232||$492||$454||$26||$136||$1,340||$112|
|F-250 Lariat Crew Cab Turbo Diesel 2WD||$250||$588||$382||$22||$114||$1,356||$113|
|F-250 Lariat Crew Cab Turbo Diesel 4WD||$308||$650||$424||$26||$126||$1,534||$128|
|F-250 XL Super Cab Harley Turbo Diesel 4WD||$224||$418||$394||$24||$118||$1,178||$98|
|F-250 Lariat Super Cab Turbo Diesel 4WD||$308||$620||$424||$26||$126||$1,504||$125|
|F-250 XL Crew Cab Harley Turbo Diesel 4WD||$358||$632||$374||$22||$112||$1,498||$125|
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in specific location which can modify prices substantially.
Where to set your deductibles
The example below illustrates how your deductible choice and can affect Ford F-250 insurance premiums for different age groups. The rates are based on a married male driver, full coverage, and no discounts are factored in.
Annual premiums for males versus females
The chart below shows the difference between Ford F-250 auto insurance rates for male and female drivers. The price estimates are based on no claims or driving violations, full coverage, $500 deductibles, single marital status, and no discounts are factored in.
These six discounts can lower your insurance quotes
Some insurers don’t always list all possible discounts very clearly, so the list below details a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Phoenix car insurance online.
- Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Telematics Data – Phoenix drivers who agree to allow driving data submission to monitor driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as the data is positive.
- Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application on the internet.
- Military Discounts – Having a family member in the military can result in better insurance rates.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts as much as 30%.
You should keep in mind that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.
A list of companies and some of their more popular discounts are shown below.
- State Farm offers discounts for good student, student away at school, passive restraint, defensive driving training, multiple policy, good driver, and anti-theft.
- Liberty Mutual discounts include new move discount, exclusive group savings, hybrid vehicle, preferred payment discount, safety features, and newly married.
- American Family offers premium reductions for mySafetyValet, good driver, good student, multi-vehicle, and TimeAway discount.
- Progressive may include discounts for good student, online signing, multi-vehicle, multi-policy, homeowner, and online quote discount.
- Farmers Insurance offers discounts including mature driver, electronic funds transfer, bundle discounts, business and professional, teen driver, good student, and early shopping.
- Auto-Owners Insurance may have discounts that include group or association, multiple vehicles, safe vehicle, mature driver, good student, teen driver, and anti-theft.
- SAFECO has savings for drive less, teen safety rewards, safe driver, accident prevention training, anti-lock brakes, teen safe driver, and anti-theft.
If you need lower rates, check with every prospective company which discounts can lower your rates. Some discounts might not apply in Phoenix. To locate companies that have a full spectrum of discounts in Phoenix, click this link.
When should I contact a local insurance agent?
Some consumers prefer to talk to a local agent and that can be a great decision Insurance agents can answer important questions and give you someone to call. One of the benefits of getting free rate quotes online is the fact that you can find the best rates and still choose a local agent.
Upon completion of this quick form, your information is instantly submitted to participating agents in Phoenix that can provide free Phoenix car insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork since rate quotes are delivered directly to your email. If you want to quote rates from one company in particular, you can always jump over to their website and complete a quote there.
Selecting an insurer should depend on more than just the bottom line cost. The answers to these questions are important, too.
- Do they have a Better Business Bureau rating in Phoenix?
- Is the agent CPCU or CIC certified?
- Is there a local claims center in Phoenix?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they prorate repair cost based on vehicle mileage?
- Can they help ensure a fair claim settlement?
If you are searching for a reliable insurance agent, it can be helpful to understand the types of agencies and how they differ in how they quote coverages. Agencies in Phoenix can either be independent agents or exclusive agents depending on their employer. Either one can sell auto insurance policies, but it’s a good idea to understand the difference between them because it may have an impact on the selection process.
Exclusive Insurance Agents
Agents in the exclusive channel have only one company to place business with like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agencies are well schooled on the products they sell which aids in selling service over price. Some consumers prefer to use the same exclusive agent mostly because of the brand name rather than having the cheapest rates.
Shown below are Phoenix exclusive insurance agencies that can give you price quotes.
- Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
- Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map
- Allstate Insurance: David Vasquez
4151 W Bethany Home Rd a – Phoenix, AZ 85019 – (602) 841-1421 – View Map
Independent Insurance Agents
Agents in the independent channel are not restricted to one company so they can write business amongst many companies enabling the ability to shop coverage around. If you want to switch companies, they simply move the coverage in-house which makes it simple for you. If you are trying to find cheaper rates, we recommend you include price quotes from several independent insurance agents to get the best comparison. Many write coverage with small regional insurance companies that may provide cheaper auto insurance rates.
Shown below is a short list of independent insurance agencies in Phoenix that are able to give price quotes.
- MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
- UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
Car insurance coverage considerations
Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
This covers damage to your F-250 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible on your F-250 to get cheaper collision coverage.
Comprehensive car insurance
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like hitting a deer, damage from flooding and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Coverage for liability
This coverage protects you from damage or injury you incur to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/10 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and property damage coverage for $10,000.
Liability coverage pays for things like repair costs for stationary objects, structural damage, medical services, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Arizona requires minimum liability limits of 15/30/10 but drivers should carry higher limits.
Coverage for medical expenses
Coverage for medical payments and/or PIP provide coverage for expenses such as hospital visits, doctor visits, dental work, EMT expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford F-250.
Because many people only carry the minimum required liability limits (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
More comparisons equals cheaper rates
In this article, we covered many ideas to get a better price on Ford F-250 insurance in Phoenix. The key concept to understand is the more you quote Phoenix car insurance, the better likelihood of getting inexpensive Phoenix car insurance quotes. You may even be surprised to find that the most savings is with some of the lesser-known companies.
Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, not issuing a premium refund, unfair underwriting practices and even poor customer service. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.
When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. Too many times, someone dropped liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best price.
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- Vehicle Safety Ratings (iihs.org)
- Teen Driving Statistics (GEICO)